ALCON EMPLOYEES
Charter #20990 · Fort Worth, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.45% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.31% sits at the 11th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.75% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 67th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALCON EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.27M | 62th pct | 54th pct |
| Members | 2,619 | 66th pct | 51th pct |
| Net worth ratio | 21.45% | 89th pct | 77th pct |
| Return on average assets | -0.31% | 12th pct | 11th pct |
| Net interest margin | 3.83% | 48th pct | 30th pct |
| Cost of funds | 0.99% | 57th pct | 49th pct |
| Loan-to-share | 83.61% | 88th pct | 67th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 33th pct |
| Net charge-off ratio | 0.19% | 55th pct | 62th pct |
| Loan growth YoY | -1.56% | 57th pct | 52th pct |
| Share growth YoY | 4.55% | 71th pct | 75th pct |
| Efficiency ratio | 99.75% | 89th pct | 89th pct |
structural peer set hash: a6d1d85478ee7c88967ef75f5ef2a1df… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.